Being under 25 will bump up the premium, and 4x4's are expensive to repair if you crash them, so can be pricey to insure. We had a Toyota Hilux Surf 3.0 Diesel 4x4 after our Mitsubishi, and it was only about $40 cheaper on insurance. MPV's shouldnt be too bad, but again it will depend on the make and the engine size.
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Taffy
The greatest mistake you can make in life is to be continually fearing you will make one.
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